So I've been sick for a few days now and I'm tired of it. I think I may have bronchitis or pneumonia, but I don't want to go to the doctor just to have them tell me that it's just a cold, go home drink plenty of fluids and rest. I used to never think twice about going to the doctor until I started to actually pay attention to my insurance bills. I never worried about it in the past, but that's because I wasn't paying attention. I actually have 2 insurances, one with my company and one with Jason's and we pay for it and then pay a copay, but yet if I need to have a chest x-ray to check for pneumonia, it's going to cost me about an additional $100. How does that make sense? I always wondered what the health care crisis was in America and I never really believed it until recently. After talking to a friend that pays hundreds of dollars for Cobra each month and yet nothing is really covered. So why do we pay for insurance if in the end we just have to fight them to cover what they say they'll cover and then not cover what we really need.
So instead of seeking the help I need, I sit her coughing horribly, not being able to take a deep breath, having hot flashes and physically weak. This just isn't right. I love doctors... I hate insurance companies.
The last time I had pneumonia was over Thanksgiving... I was in the Emergency Room on a Monday in Shakopee... insurance billed me over $400 for this visit because they said it was a non-emergency. I've since fought that down to just a $100 co-pay since I went into the ER with shortness of breath and was diagnosed with pneumonia and possibly asthma. Mind you at this same time I had diarrhea like you wouldn't believe. So we headed to North Dakota anyway and on Thanksgiving day, I was taken to URGENT CARE in Grand Forks because I still had diarrhea and my body was so weak I could barely move. After some tests they found that my kidneys were malfunctioning because I was so dehydrated. So they put in the ER to have a couple IVs of fluid. And after 8 days of diarrhea and 2 visits to the ER/Urgent Care, no one could explain it to me. Love the medical world but love the insurance companies even more. I'm still fighting that insurance bill. Just one more question and I'll let it go... Why can't the insurance companies and the hospital billing department talk to each other?
Okay I'll let it go... I ranted and now I'm better. Well at least until I get my next insurance bill.
3 comments:
I hope you are feeling better and if you dont soon I will MAKE you go!!!! Sami, does not need a sick momma... take care of yourself!!
We just had to send in $700 for Cobra on JUST me b/c nobody else will insure me b/c I am pregnant. We have the girls and Tim on another plan, but only covers 80/20and NO well-checks or immunizations. Have you ever seen a bill on a well-check along with shots...NOT CHEAP! But what else do we do, COBRA for the whole family was $1450 a MONTH, doing it the other way we are saving about $600 a month. Can you believe that we would be paying MORE for insurance then our mortgage! UNREAL! It is no wonder so many MILLIONS of americans are not insured or underinsured...YEP, no wonder there is a crisis!
Rachel
I agree, 100%. Insurance companies are worthless in my opinion... we have to fight EVERY.SINGLE.TIME we want something covered...
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